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By *nabelle21 OP   Woman
over a year ago

B38

I really should be tightening my belt. There's loads of stuff I'd like to do and Christmas is just around the corner(sorry about that but it is)!

What do you do to save money?

How would you cut in order to so so?

Do you know every penny that goes in and out?

Is being organised the key?

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By *nabelle21 OP   Woman
over a year ago

B38

Back*

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By *hunky GentMan
over a year ago

Maldon and Peterborough

I earn, I spend, I earn some more. Simples.

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By *ed-monkeyCouple
over a year ago

Hailsham


"Back*"

Budget budget and budget

Always keep on top ...

.

.

.

Of your finances

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By (user no longer on site)
over a year ago

Ditching alcohol works for a lot

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By *nabelle21 OP   Woman
over a year ago

B38


"Back*

Budget budget and budget

Always keep on top ...

.

.

.

Of your finances"

Wise words indeed

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By *nabelle21 OP   Woman
over a year ago

B38


"Back*

Budget budget and budget

Always keep on top ...

.

.

.

Of your finances"

This is an art I need to madter

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By *rightonsteveMan
over a year ago

Brighton - even Hove!

One can live on very little - shops like Aldi and Lidl help, getting up early to walk or catch the bus or cycle instead of a car helps. Heating off and blankets on...

All in all, it’s effective forward planning and a ‘save’ mindset. It’s a miserable existence to do it for long periods though although of course I’m aware some people have no choice.

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By *ed-monkeyCouple
over a year ago

Hailsham


"Back*

Budget budget and budget

Always keep on top ...

.

.

.

Of your finances

This is an art I need to madter"

I've been in trouble in the past

Now I have a spreadsheet I keep of everything and budget on key things like food, transport, events etc

I can say how much I have to the penny ... just about begging disciplined about it

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By (user no longer on site)
over a year ago


"I really should be tightening my belt. There's loads of stuff I'd like to do and Christmas is just around the corner(sorry about that but it is)!

What do you do to save money?

How would you cut in order to so so?

Do you know every penny that goes in and out?

Is being organised the key?"

i eat frugally

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By *rAngleseyMan
over a year ago

Anglesey


"I really should be tightening my belt. There's loads of stuff I'd like to do and Christmas is just around the corner(sorry about that but it is)!

What do you do to save money?

How would you cut in order to so so?

Do you know every penny that goes in and out?

Is being organised the key?"

The first step to saving money is working out exactly where its going by recording every penny you spend & then look at ways you can make it more efficient.

Being organised is always the key

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By *nabelle21 OP   Woman
over a year ago

B38


"Back*

Budget budget and budget

Always keep on top ...

.

.

.

Of your finances

This is an art I need to madter

I've been in trouble in the past

Now I have a spreadsheet I keep of everything and budget on key things like food, transport, events etc

I can say how much I have to the penny ... just about begging disciplined about it"

That word disciplined ..this is not second nature to me..this is where I fall short..time to re-think

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By *ed-monkeyCouple
over a year ago

Hailsham


"Back*

Budget budget and budget

Always keep on top ...

.

.

.

Of your finances

This is an art I need to madter

I've been in trouble in the past

Now I have a spreadsheet I keep of everything and budget on key things like food, transport, events etc

I can say how much I have to the penny ... just about begging disciplined about it

That word disciplined ..this is not second nature to me..this is where I fall short..time to re-think"

Do you need disciplining?

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By (user no longer on site)
over a year ago

Oh I’m so very bad with money...

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By (user no longer on site)
over a year ago


"Back*

Budget budget and budget

Always keep on top ...

.

.

.

Of your finances

This is an art I need to madter

I've been in trouble in the past

Now I have a spreadsheet I keep of everything and budget on key things like food, transport, events etc

I can say how much I have to the penny ... just about begging disciplined about it

That word disciplined ..this is not second nature to me..this is where I fall short..time to re-think"

shop at Aldi food and beverage will meet you there

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By *nabelle21 OP   Woman
over a year ago

B38


"One can live on very little - shops like Aldi and Lidl help, getting up early to walk or catch the bus or cycle instead of a car helps. Heating off and blankets on...

All in all, it’s effective forward planning and a ‘save’ mindset. It’s a miserable existence to do it for long periods though although of course I’m aware some people have no choice. "

It is miserable to do it and totally agree, as a way of life that's got to be depressing..but needs must

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By *hilloutMan
over a year ago

All over the place! Northwesr, , Southwest


"I really should be tightening my belt. There's loads of stuff I'd like to do and Christmas is just around the corner(sorry about that but it is)!

What do you do to save money?

How would you cut in order to so so?

Do you know every penny that goes in and out?

Is being organised the key?"

Every single year I swear to myself that i'll stick to predetermined budget and every year I fail miserably!

I think knowing how to spot deals throughout the year and buying way ahead of time works well i've been told

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By *nabelle21 OP   Woman
over a year ago

B38


"Back*

Budget budget and budget

Always keep on top ...

.

.

.

Of your finances

This is an art I need to madter

I've been in trouble in the past

Now I have a spreadsheet I keep of everything and budget on key things like food, transport, events etc

I can say how much I have to the penny ... just about begging disciplined about it

That word disciplined ..this is not second nature to me..this is where I fall short..time to re-think

Do you need disciplining? "

Totally need disciplining ..I need to be taken in hand

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By *ed-monkeyCouple
over a year ago

Hailsham


"Back*

Budget budget and budget

Always keep on top ...

.

.

.

Of your finances

This is an art I need to madter

I've been in trouble in the past

Now I have a spreadsheet I keep of everything and budget on key things like food, transport, events etc

I can say how much I have to the penny ... just about begging disciplined about it

That word disciplined ..this is not second nature to me..this is where I fall short..time to re-think

Do you need disciplining?

Totally need disciplining ..I need to be taken in hand "

I could guide you

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By (user no longer on site)
over a year ago

leave bank cards at home

give yourself a small amount of cash each week.

when the cash is gone ... it's gone no spending with the card

meal plan

take lunch to work

stop buying coffee/treats when out

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By (user no longer on site)
over a year ago

I'm terrible with money ,end of

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By (user no longer on site)
over a year ago


"I really should be tightening my belt. There's loads of stuff I'd like to do and Christmas is just around the corner(sorry about that but it is)!

What do you do to save money?

How would you cut in order to so so?

Do you know every penny that goes in and out?

Is being organised the key?i eat frugally "

I was impressed with your cheap main course ... £35 wasn't it

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By (user no longer on site)
over a year ago


"I'm terrible with money ,end of"
give it to me I'll give you pocket money

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By (user no longer on site)
over a year ago


"I really should be tightening my belt. There's loads of stuff I'd like to do and Christmas is just around the corner(sorry about that but it is)!

What do you do to save money?

How would you cut in order to so so?

Do you know every penny that goes in and out?

Is being organised the key?i eat frugally

I was impressed with your cheap main course ... £35 wasn't it "

lol i got the two peronis free

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By (user no longer on site)
over a year ago


"I really should be tightening my belt. There's loads of stuff I'd like to do and Christmas is just around the corner(sorry about that but it is)!

What do you do to save money?

How would you cut in order to so so?

Do you know every penny that goes in and out?

Is being organised the key?i eat frugally

I was impressed with your cheap main course ... £35 wasn't it lol i got the two peronis free "

bargain

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By *nabelle21 OP   Woman
over a year ago

B38


"I really should be tightening my belt. There's loads of stuff I'd like to do and Christmas is just around the corner(sorry about that but it is)!

What do you do to save money?

How would you cut in order to so so?

Do you know every penny that goes in and out?

Is being organised the key?i eat frugally

I was impressed with your cheap main course ... £35 wasn't it "

That is a great point

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By (user no longer on site)
over a year ago


"I really should be tightening my belt. There's loads of stuff I'd like to do and Christmas is just around the corner(sorry about that but it is)!

What do you do to save money?

How would you cut in order to so so?

Do you know every penny that goes in and out?

Is being organised the key?i eat frugally

I was impressed with your cheap main course ... £35 wasn't it "

and the meal was delicious

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By *nabelle21 OP   Woman
over a year ago

B38


"I really should be tightening my belt. There's loads of stuff I'd like to do and Christmas is just around the corner(sorry about that but it is)!

What do you do to save money?

How would you cut in order to so so?

Do you know every penny that goes in and out?

Is being organised the key?i eat frugally

I was impressed with your cheap main course ... £35 wasn't it lol i got the two peronis free "

they were to forget about the plastic bit in the food lol

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By *nabelle21 OP   Woman
over a year ago

B38


"I really should be tightening my belt. There's loads of stuff I'd like to do and Christmas is just around the corner(sorry about that but it is)!

What do you do to save money?

How would you cut in order to so so?

Do you know every penny that goes in and out?

Is being organised the key?i eat frugally

I was impressed with your cheap main course ... £35 wasn't it and the meal was delicious "

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By (user no longer on site)
over a year ago


"I really should be tightening my belt. There's loads of stuff I'd like to do and Christmas is just around the corner(sorry about that but it is)!

What do you do to save money?

How would you cut in order to so so?

Do you know every penny that goes in and out?

Is being organised the key?i eat frugally

I was impressed with your cheap main course ... £35 wasn't it and the meal was delicious "

don't believe you.... think I need an invite to be proved wrong

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By *cedbunsWoman
over a year ago

Gravesend

Make notes of what you’re spending and where. You soon realise where you can make cuts.

A coffee on your way to work everyday might cost you £15 a week for example.

Small changes can make big savings

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By *nabelle21 OP   Woman
over a year ago

B38


"leave bank cards at home

give yourself a small amount of cash each week.

when the cash is gone ... it's gone no spending with the card

meal plan

take lunch to work

stop buying coffee/treats when out

"

Your a kill joy..

I love buying coffee out in the morning and I buy lunch...this is a good start

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By *oved Up 2Couple
over a year ago

nottingham

Bulk cook and freeze, don't buy lunches during work - take something with you. Avoid ridiculously priced coffee shops (if that's your thing). Aldi and Lidl are as good as, if not better, than other supermarkets

Mrs x

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By (user no longer on site)
over a year ago


"I'm terrible with money ,end ofgive it to me I'll give you pocket money "

My daughter tried this,but she gave up after a week

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By (user no longer on site)
over a year ago


"I really should be tightening my belt. There's loads of stuff I'd like to do and Christmas is just around the corner(sorry about that but it is)!

What do you do to save money?

How would you cut in order to so so?

Do you know every penny that goes in and out?

Is being organised the key?i eat frugally

I was impressed with your cheap main course ... £35 wasn't it and the meal was delicious

don't believe you.... think I need an invite to be proved wrong "

lol hey i have a pic of meal im having lobster tomorrow

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By (user no longer on site)
over a year ago


"I'm terrible with money ,end ofgive it to me I'll give you pocket money

My daughter tried this,but she gave up after a week "

why?

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By *nabelle21 OP   Woman
over a year ago

B38


"Make notes of what you’re spending and where. You soon realise where you can make cuts.

A coffee on your way to work everyday might cost you £15 a week for example.

Small changes can make big savings "

I was previously adding it up. It was quite a chunk of money over a month period.

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By (user no longer on site)
over a year ago


"leave bank cards at home

give yourself a small amount of cash each week.

when the cash is gone ... it's gone no spending with the card

meal plan

take lunch to work

stop buying coffee/treats when out

Your a kill joy..

I love buying coffee out in the morning and I buy lunch...this is a good start "

coffee is £3.20 a pop thats a definite saving

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By *nabelle21 OP   Woman
over a year ago

B38


"Bulk cook and freeze, don't buy lunches during work - take something with you. Avoid ridiculously priced coffee shops (if that's your thing). Aldi and Lidl are as good as, if not better, than other supermarkets

Mrs x"

Good advice

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By (user no longer on site)
over a year ago


"leave bank cards at home

give yourself a small amount of cash each week.

when the cash is gone ... it's gone no spending with the card

meal plan

take lunch to work

stop buying coffee/treats when out

Your a kill joy..

I love buying coffee out in the morning and I buy lunch...this is a good start "

Reply privatelyReply in forumReply +quote
 

By (user no longer on site)
over a year ago


"I'm terrible with money ,end ofgive it to me I'll give you pocket money

My daughter tried this,but she gave up after a week why? "

Because she couldn't cope with me going on about being skint

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By (user no longer on site)
over a year ago


"Bulk cook and freeze, don't buy lunches during work - take something with you. Avoid ridiculously priced coffee shops (if that's your thing). Aldi and Lidl are as good as, if not better, than other supermarkets

Mrs x

Good advice"

i said about Aldi first omg

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By (user no longer on site)
over a year ago


"I'm terrible with money ,end ofgive it to me I'll give you pocket money

My daughter tried this,but she gave up after a week why?

Because she couldn't cope with me going on about being skint "

lol

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By *allySlinkyWoman
over a year ago

Leeds

I've just cancelled my window cleaner. Saving £25 a month.

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By (user no longer on site)
over a year ago


"I've just cancelled my window cleaner. Saving £25 a month. "
exactly who needs to see out

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By *nabelle21 OP   Woman
over a year ago

B38


"I've just cancelled my window cleaner. Saving £25 a month. "

Your posh..you had a window cleaner..that's something else, my windows need cleaning

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By *nabelle21 OP   Woman
over a year ago

B38


"Bulk cook and freeze, don't buy lunches during work - take something with you. Avoid ridiculously priced coffee shops (if that's your thing). Aldi and Lidl are as good as, if not better, than other supermarkets

Mrs x

Good advicei said about Aldi first omg "

PML

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By (user no longer on site)
over a year ago

I'm absolutely shocking and just spend spend spend. I really need to learn to behave with my finances

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By (user no longer on site)
over a year ago


"Bulk cook and freeze, don't buy lunches during work - take something with you. Avoid ridiculously priced coffee shops (if that's your thing). Aldi and Lidl are as good as, if not better, than other supermarkets

Mrs x

Good advicei said about Aldi first omg

PML "

pissed my leg?

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By *rightonsteveMan
over a year ago

Brighton - even Hove!


"Bulk cook and freeze, don't buy lunches during work - take something with you. Avoid ridiculously priced coffee shops (if that's your thing). Aldi and Lidl are as good as, if not better, than other supermarkets

Mrs x

Good advicei said about Aldi first omg

PML "

*ahem!* see above!

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By *nabelle21 OP   Woman
over a year ago

B38


"Bulk cook and freeze, don't buy lunches during work - take something with you. Avoid ridiculously priced coffee shops (if that's your thing). Aldi and Lidl are as good as, if not better, than other supermarkets

Mrs x

Good advicei said about Aldi first omg

PML pissed my leg? "

Hey i can piss with the best of them..legs included

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By (user no longer on site)
over a year ago


"Bulk cook and freeze, don't buy lunches during work - take something with you. Avoid ridiculously priced coffee shops (if that's your thing). Aldi and Lidl are as good as, if not better, than other supermarkets

Mrs x

Good advicei said about Aldi first omg

PML pissed my leg?

Hey i can piss with the best of them..legs included "

omg shes got legs too my kinda woman

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By *nabelle21 OP   Woman
over a year ago

B38


"I'm absolutely shocking and just spend spend spend. I really need to learn to behave with my finances"

Ah me too x

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By (user no longer on site)
over a year ago


"I'm absolutely shocking and just spend spend spend. I really need to learn to behave with my finances"
what about your fiancés

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By *nabelle21 OP   Woman
over a year ago

B38


"Bulk cook and freeze, don't buy lunches during work - take something with you. Avoid ridiculously priced coffee shops (if that's your thing). Aldi and Lidl are as good as, if not better, than other supermarkets

Mrs x

Good advicei said about Aldi first omg

PML pissed my leg?

Hey i can piss with the best of them..legs included omg shes got legs too my kinda woman "

od

dear dear me

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By (user no longer on site)
over a year ago

Don’t buy any new clothes or shoes for one year

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By *nabelle21 OP   Woman
over a year ago

B38


"Don’t buy any new clothes or shoes for one year "

Say WHAT...say it's not so!

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By (user no longer on site)
over a year ago


"Don’t buy any new clothes or shoes for one year

Say WHAT...say it's not so! "

Haha yes it’s true!

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By *onty1971Man
over a year ago

London St Helier Trier

Radical method I read and is related to FIRE (Financial Independence Retire Early) is to not spend anything for 6 months. No coffees, lunches, dinners etc. Eat at home, packed lunch etc

Build 6 months of running costs in saving s accounts.

Invest in Income producing assets.

Sell anything you don't need.

There are variations on this to suit each persons style, income and needs. There is no one size fits all.

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By *erseysidemale100Man
over a year ago

liverpool


"Don’t buy any new clothes or shoes for one year

Say WHAT...say it's not so!

Haha yes it’s true!"

i love shopping an buying new clothes so I couldn’t do that but yes I was saying earlier I need to think of ways how to save money better

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By (user no longer on site)
over a year ago

Do a monthly budget of your income and expenditure.

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By *nabelle21 OP   Woman
over a year ago

B38


"Don’t buy any new clothes or shoes for one year

Say WHAT...say it's not so!

Haha yes it’s true!"

I'm just going to sit in the corner and cry!!

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By (user no longer on site)
over a year ago

check if your on best deals for utilities, broadband, mobile phone etc

if not ... switch

check if there's any incentive for swapping banks. some offer £100+ to swap

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By *ed-monkeyCouple
over a year ago

Hailsham


"Don’t buy any new clothes or shoes for one year

Say WHAT...say it's not so!

Haha yes it’s true!

I'm just going to sit in the corner and cry!!"

It's about balance

Bank balance

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By (user no longer on site)
over a year ago


"Don’t buy any new clothes or shoes for one year

Say WHAT...say it's not so!

Haha yes it’s true!

I'm just going to sit in the corner and cry!!"

I’ll bet you’ve got loads of stuff in your wardrobe

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By *ady LickWoman
over a year ago

Northampton Somewhere

I feel like I'm good with budgeting and then I check my bank account.

Bookmarking!!

We switched to Aldi years ago and worked out we saved around £250 a month.

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By *nabelle21 OP   Woman
over a year ago

B38


"Radical method I read and is related to FIRE (Financial Independence Retire Early) is to not spend anything for 6 months. No coffees, lunches, dinners etc. Eat at home, packed lunch etc

Build 6 months of running costs in saving s accounts.

Invest in Income producing assets.

Sell anything you don't need.

There are variations on this to suit each persons style, income and needs. There is no one size fits all."

Hmmm I know..I need to get my head out of the take away coffee cups.

I like that idea of building 6 months of running costs. Coupled with having a real knowledge of ins and outs is a great start.

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By *nabelle21 OP   Woman
over a year ago

B38


"I feel like I'm good with budgeting and then I check my bank account.

Bookmarking!!

We switched to Aldi years ago and worked out we saved around £250 a month. "

That is a massive saving

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By *nabelle21 OP   Woman
over a year ago

B38


"Don’t buy any new clothes or shoes for one year

Say WHAT...say it's not so!

Haha yes it’s true!

I'm just going to sit in the corner and cry!!

It's about balance

Bank balance"

Yes..I know

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By (user no longer on site)
over a year ago


"Don’t buy any new clothes or shoes for one year

Say WHAT...say it's not so!

Haha yes it’s true!i love shopping an buying new clothes so I couldn’t do that but yes I was saying earlier I need to think of ways how to save money better "

You too

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By *nabelle21 OP   Woman
over a year ago

B38


"Don’t buy any new clothes or shoes for one year

Say WHAT...say it's not so!

Haha yes it’s true!

I'm just going to sit in the corner and cry!!

I’ll bet you’ve got loads of stuff in your wardrobe "

I have so much stuff that i have some charity bags to fill. I come across stuff I've forgotten i even had.

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By (user no longer on site)
over a year ago

Beans on toast and treat yourself occasionally and get the ones with the little sausages

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By *erseysidemale100Man
over a year ago

liverpool


"Don’t buy any new clothes or shoes for one year

Say WHAT...say it's not so!

Haha yes it’s true!i love shopping an buying new clothes so I couldn’t do that but yes I was saying earlier I need to think of ways how to save money better

You too "

thank you for the advice lovely I will keep that in mind

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By *nabelle21 OP   Woman
over a year ago

B38


"check if your on best deals for utilities, broadband, mobile phone etc

if not ... switch

check if there's any incentive for swapping banks. some offer £100+ to swap "

i have never switched hmmm..

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By (user no longer on site)
over a year ago


"check if your on best deals for utilities, broadband, mobile phone etc

if not ... switch

check if there's any incentive for swapping banks. some offer £100+ to swap

i have never switched hmmm.."

bank does it all for you

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By *nabelle21 OP   Woman
over a year ago

B38


"Beans on toast and treat yourself occasionally and get the ones with the little sausages "

No..I'll settle for the beans. thanks though

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By *nabelle21 OP   Woman
over a year ago

B38


"check if your on best deals for utilities, broadband, mobile phone etc

if not ... switch

check if there's any incentive for swapping banks. some offer £100+ to swap

i have never switched hmmm..

bank does it all for you "

oh ok x

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By *ullpa72Man
over a year ago

Isle of Arran

Always plan ahead .buy all your wrapping paper ,cards a nd any extra decks that you might need in January when they are cheap.buy Christmas's gifts all year when you spot a bargain or that something hopefully that way you only have a marginal extra spend in December .one last tip if you have a store card that gives points save them all for your Christmas's food and booze shop . Happy Christmas all !!

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By *nabelle21 OP   Woman
over a year ago

B38


"Always plan ahead .buy all your wrapping paper ,cards a nd any extra decks that you might need in January when they are cheap.buy Christmas's gifts all year when you spot a bargain or that something hopefully that way you only have a marginal extra spend in December .one last tip if you have a store card that gives points save them all for your Christmas's food and booze shop . Happy Christmas all !!"

Thanks and a very merry Christmas to you x

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By *allySlinkyWoman
over a year ago

Leeds


" treat yourself occasionally and get the ones with the little sausages "

Does anybody like little sausages ?

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By *nabelle21 OP   Woman
over a year ago

B38


" treat yourself occasionally and get the ones with the little sausages

Does anybody like little sausages ?"

Noooo

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By *apiomanMan
over a year ago

Shipley

Plan meals around what you have in the fridge/ freezer/ cupboard. Then only buy what you need for the week.

Ask yourself is the product at twice the price really worthy it, or are you paying for fancy packaging (says he who usually buys jam in octagonal jars!).

Take own lunch.

If you insist on real coffee in the day (if possible) have a cafetière at work.

Walk or cycle where practical.

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By *ady LickWoman
over a year ago

Northampton Somewhere

I got 3 large silverside beef joints from the co op reduced to £2ish each on Friday.

I'm so chuffed about that. So....look out for bargains

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By *lex46TV/TS
over a year ago

Near Wells

Some good advice on here.

Look at regular direct debits that come out every month and do you still use them (gym membership) or need them (sky etc). Cancel all the ones you don't need, you might be surprised how much they cost.

Also look at switching utilities, water, electricity etc.

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By *apiomanMan
over a year ago

Shipley

Get all your monthly payments to go out on payday. Then you actually know how much you have left. Some bills vary from month to month which can really mess things up.

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By (user no longer on site)
over a year ago

Open another bank account and use it for spending money.

Calculate bills and outgoings, then transfer whatever's left of your wage into the spending account.

Keep a piece of paper with the balance (like on old bank books) and mark off all receipts and cash you take out. Note what they money was spent on.

Makes you aware of how much money you have to spend and what you're spending it on.

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By *erseysidemale100Man
over a year ago

liverpool


"Open another bank account and use it for spending money.

Calculate bills and outgoings, then transfer whatever's left of your wage into the spending account.

Keep a piece of paper with the balance (like on old bank books) and mark off all receipts and cash you take out. Note what they money was spent on.

Makes you aware of how much money you have to spend and what you're spending it on. "

great advice

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By *partharmonyCouple
over a year ago

Ruislip


"I really should be tightening my belt. There's loads of stuff I'd like to do and Christmas is just around the corner(sorry about that but it is)!

What do you do to save money?

How would you cut in order to so so?

Do you know every penny that goes in and out?

Is being organised the key?"

For me the key is visibility. Know what you income is. Know what your unavoidable outgoings are (mostly bills). Know what the difference is. That's what you can spend. Reduce it by an amount that you intend to save.

Do that sort of thing and it can help a lot.

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